The swab test can detect nicotine in the system for several days after its use. The insurance company may also collect urine samples or blood to find out if you're If you habitually use marijuana then it may take as long as a month to clear your Barbiturates, methadone, morphine and benzodiazepines such as Xanax and Detail:http://www.ehow.com/about_5436049_tests-health-insurance.html